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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Assets per participant exceed $250,000 - top-decile high-value plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $293,068 | $110,212+165.9% | $96,534+203.6% | $139,466+110.1% |
| Participation rate | 58.3% | 78.1%-19.8pp | 76.0%-17.6pp | 80.3%-22.0pp |
| Annual return | 21.78% | 26.42%-4.6pp | 25.88%-4.1pp | 373.66%-351.9pp |
| Employer contribution / active EE | $723 | $3,620-80.0% | $2,965-75.6% | $4,754-84.8% |
| Participant deferral / active EE | $2,894 | $5,547-47.8% | $4,851-40.4% | $6,712-56.9% |
| Admin fee / account holder | $16,862 | $11,599+45.4% | $8,253+104.3% | $11,409+47.8% |